Interest rate on duplex?

[Jade Pickenheim]

Hi BP, and thank you for existing.

We're very close to contracting on our first investment property, a duplex in which one unit we'd live, and rent out the other.

We've been talking with a lender, a family friend, for a while, and she today quoted a 4.5% interest rate on a 30-year conventional loan for this property. The prevailing rate seems lower - is the higher rate because it's a multi-unit, and/or an investment property? She did say rates for a multi-unit are higher, and rates for conventional higher than FHA, but I wanted to hear some other feedback. Does this sound right?

Any and all input greatly appreciated. Thank you very much!